Buying your first home? We’re here to help!
Steps to Homeownership:
- Check Your Credit - A higher credit score can mean better loan terms. Review your credit report and address any issues before applying.
- Get Pre-Approved - Know how much home you can afford and show sellers you're serious. Pre-Approval letters are often required when shopping for your new home.
- Find Your Dream Home - Work with a trusted real estate agent to explore listings within your budget.
- Apply for a Mortgage - Submit your application along with required documents.
- Loan Processing & Approval - We’ll review your information and guide you through the final steps.
- Closing Day! - Sign the paperwork, get your keys, and celebrate your new home!
What to Expect in the Mortgage Process
Applying for a mortgage doesn’t have to be complicated. Here’s what you’ll need to get started:
- Proof of Income (pay stubs, W-2s, tax returns)
- Bank Statements (to verify assets and down payment funds)
- Credit History Check (to determine eligibility and rates)
- Debt Information (student loans, car payments, credit cards, etc.)
Once you submit your application, our loan officers will walk you through each step, ensuring a smooth process from approval to closing.
Mortgage Loan Calculators
Use our helpful tools to estimate your monthly payments, determine affordability, or see if refinancing makes sense for you.
Rate Locking & Interest Rate Information
Rates can change daily, so locking in your interest rate at the right time is important. We offer rate lock options to help protect you from market fluctuations while your loan is being processed. Rates may be locked after a sufficient appraisal has been completed.
Why Choose DeWitt Savings Bank?
- checkmark Local Decision-Making - Faster approvals with decisions made right here in your community.
- checkmark Competitive Rates & Terms - We offer flexible loan options tailored to your needs.
- checkmark Trusted Since 1887 - A bank built on relationships, not just transactions.
- checkmark Personalized Service - You’ll work with real people who care about your success.